Know Your Coverage Types
What is your car insurance actually insuring? Although you’re buying a single insurance policy covering a specific vehicle, a number of components and coverage types making up the final cost: Bodily injury liability: Covers injury and death claims against you, and legal costs, if your car injures or kills someone. Property damage liability: Covers claims for property that your car damages in an accident. Because liability coverage protects the other party, it is required in all but...
Read MoreAuto Insurance Tips for Young Drivers
Auto Insurance Tips for Young Drivers According to statistics, young drivers under 25, especially males, belong to a high risk group, i.e. those who tend to make insurance claims more often than any other group of drivers. Young drivers have less experience and therefore are much more likely to have accidents than older drivers. As a rule, it takes at least three years of driving experience to be quoted a lower rate. For many newly-qualified drivers under 25-years-old insuring their car makes...
Read MoreSummer Home Maintenance Tips
Summertime is the best time to be outside enjoying the weather. Make sure your deck or patio is ready for the summer sun by keeping in mind the seasonal maintenance tips below. Check deck or patio for possible deterioration and safety hazards such as loose boards and protruding nails. Check electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service. Check all...
Read MoreAre You Properly Insured for Your Summer Fun?
The temperature is rising and the sun is shining, but before you put the boat on the lake or get the ATVs out of storage, the National Association of Insurance Commissioners (NAIC) urges you to review your insurance to make sure you are properly protected. Use these tips to review your coverage to make sure you and your family are insured for the increased risks that come with outdoor activities. Boats The personal property coverage of your homeowners policy might cover a small boat for $1,500...
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